Bank First, National Association
Manitowoc, WI · Cert 5304 · Peer group: banks $1B-$10B in assets (n=322-328) · Bank First Corp.
National charter · OCC · 38 branches
Q2 2026
$5.9BAssets
$4.5BLoans
$5.0BDeposits
$805.9MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 88% of banks $1B-$10B in assets (rank 40 of 328).
- Widest gap: tier 1 capital ratio trails 87% of banks $1B-$10B in assets (rank 286 of 328).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.55%
Rank 76 of 328
Net Interest Margin
3.84%
Rank 81 of 328
Efficiency Ratio
55.82%
Rank 125 of 328
Equity / Assets
13.56%
Rank 40 of 328
Non-interest income vs. expense
Unfavorable gap of $103.7M · efficiency ratio beats 62% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.55% | 0.91% | 1.22% | 1.52% | Beats 77% | 76 / 328 | |
| Return on Equity | 11.42% | 8.43% | 11.45% | 14.43% | Beats 49% | 167 / 328 | |
| Net Interest Margin | 3.84% | 3.03% | 3.45% | 3.83% | Beats 75% | 81 / 328 | |
| Efficiency Ratio | 55.82% | 51.61% | 59.56% | 67.53% | Beats 62% | 125 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.56% | 0.24% | 0.51% | 1.03% | Beats 46% | 174 / 322 | |
| Net Charge-Offs / Loans | 0.03% | 0.01% | 0.03% | 0.10% | Beats 53% | 152 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 10.93% | 11.75% | 13.15% | 15.47% | Beats 13% | 286 / 328 | |
| Total Risk-Based Capital Ratio | 12.08% | 12.63% | 14.15% | 16.46% | Beats 19% | 266 / 328 | |
| Equity / Assets | 13.56% | 9.15% | 10.33% | 12.01% | Beats 88% | 40 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 90.01% | 76.63% | 87.92% | 95.36% | 56th pctl | 143 / 323 | |
| Loans / Assets | 76.15% | 65.18% | 74.15% | 79.98% | 58th pctl | 137 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |